How Much Does Homeowners Insurance Cost in Vermont?
Vermont pricing is near the national average. Updated for 2026.
Homeowners Insurance Pricing in Vermont
In Vermont, the average cost for homeowners insurance is $194 per month, which is 8% higher than the national average of $180. Most Vermont residents pay between $108 and $378.
Vermont has costs that track closely with the national average, though prices can still vary between urban and rural areas within the state.
Homeowners insurance protects your home and belongings from damage, theft, and liability. Costs depend on your home's value, location, coverage limits, and claim history.
Vermont vs National Average
What Affects Homeowners Insurance Cost in Vermont?
Home Value
$200K home: $100-$150/mo. $400K home: $150-$250/mo. $600K+ home: $200-$400/mo
Location
Coastal/flood/tornado zones can be 50-200% more expensive
📐 Homeowners Insurance in Vermont Cost Calculator
Get a personalized estimate based on your project details
Compare Insurance Rates
See how much you could save with free quotes from top carriers.
Top-Rated Homeowners Insurance Pros in Vermont
5 providersFirst Choice Roofing & Siding
🏆 SPONSOREDProudly serving VT since 2014. Licensed, insured, and committed to excellence.
Apex Electrical
⭐ PREMIUMProudly serving VT since 2015. Licensed, insured, and committed to excellence.
Patriot Electrical
✅ VERIFIEDAre You a Homeowners Insurance Professional?
Get listed on CostWhale and reach thousands of customers searching for homeowners insurance in Vermont.
💡 Tips to Save on Homeowners Insurance in Vermont
- 1.Bundle with auto insurance
- 2.Raise your deductible
- 3.Install security systems and smoke detectors for discounts
- 4.Review and update coverage annually
📈 Homeowners Insurance in Vermont Cost Trends (2022–2026)
Prices have increased +17.6% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2022 | $165 | — |
| 2023 | $172 | +4.2% |
| 2024 | $183 | +6.4% |
| 2025 | $188 | +2.7% |
| 2026 | $194 | +3.2% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Homeowners Insurance in Vermont
Recent Reports
Frequently Asked Questions
What does homeowners insurance cover?
Standard policies cover dwelling, personal property, liability, and additional living expenses. Floods and earthquakes require separate policies.
Homeowners Insurance Cost in Other States
Related Cost Guides for Vermont
🔍 Compare Insurance Rates
See how much you could save. Compare quotes from top insurance companies in minutes.
* CostWhale may earn a commission. This doesn't affect our pricing data or recommendations.
💰 Get Weekly Cost-Saving Tips
Join 10,000+ smart homeowners. Unsubscribe anytime.